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The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would
share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately.
This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage see www.kp.org/plandocuments or call
1-800-278-3296 (TTY: 711). For general definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or
other underlined terms see the Glossary. You can view the Glossary at www.HealthCare.gov/sbc-glossary/ or call 1-800-278-3296 (TTY: 711) to request a copy.
Important Questions Answers Why this Matters:
Generally, you must pay all of the costs from providers up to the deductible amount
What is the overall $2,200 Individual / $4,400 Family before this plan begins to pay. If you have other family members on the plan, each
deductible? family member must meet their own individual deductible until the total amount of
deductible expenses paid by all family members meets the overall family deductible.
This plan covers some items and services even if you haven’t yet met the deductible
Are there services Yes. Preventive care and services indicated in amount. But a copayment or coinsurance may apply. For example, this plan covers
covered before you meet chart starting on page 2. certain preventive services without cost sharing and before you meet your
your deductible? deductible. See a list of covered preventive services at
https://www.healthcare.gov/coverage/preventive-care-benefits/.
Are there other Yes. Generic, brand, and specialty prescription You must pay all of the costs for these services up to the specific deductible amount
deductibles for specific drugs: $175 Individual / $350 Family in network. before this plan begins to pay for these services.
services? There are no other specific deductibles.
What is the out-of-pocket $6,300 Individual / $12,600 Family The out-of-pocket limit is the most you could pay in a year for covered services. If
limit for this plan? you have other family members in this plan, they have to meet their own out-of-
pocket limits until the overall family out-of-pocket limit has been met.
What is not included in Premiums, and health care services this plan Even though you pay these expenses, they don't count toward the out-of-pocket
the out-of-pocket limit? doesn’t cover, indicated in chart starting on limit.
page 2.
This plan uses a provider network. You will pay less if you use a provider in the
plan’s network. You will pay the most if you use an out-of-network provider, and you
Will you pay less if you Yes. See www.kp.org or call 1-800-278-3296 might receive a bill from a provider for the difference between the provider’s charge
use a network provider? (TTY: 711) for a list of network providers. and what your plan pays (balance billing). Be aware, your network providers might
use an out-of-network provider for some services (such as lab work). Check with
your provider before you get services.
Do you need a referral to Yes, but you may self-refer to certain This plan will pay some or all of the costs to see a specialist for covered services but
see a specialist? specialists. only if you have a referral before you see the specialist.
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All copayment and coinsurance costs shown in this chart are after your deductible has been met, if a deductible applies.
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What You Will Pay What You Will Pay
Common Services You May Limitations, Exceptions & Other Important
Plan Provider Non-Plan Provider
Medical Event Need Information
(You will pay the least) (You will pay the most)
Facility fee (e.g., 20% Coinsurance, deductible
ambulatory surgery Not Covered None
If you have does not apply
center)
outpatient surgery
Physician/surgeon Physician/Surgeon Fee is included in the
Not Applicable Not Covered
fees Facility Fee
Emergency room $350 / visit, deductible does not $350 / visit, deductible does not Copayment is waived if admitted to hospital as
care apply apply inpatient.
If you need Emergency medical
immediate medical $250 / trip $250 / trip None
transportation
attention
$35 / visit, deductible does not $35 / visit, deductible does not Non-Plan providers covered when temporarily
Urgent care apply apply outside the service area.
Facility fee (e.g., 20% Coinsurance Not Covered None
If you have a hospital room)
hospital stay Physician/surgeon Physician/Surgeon Fee is included in the
Not Applicable Not Covered
fee Facility Fee.
If you need mental $35 / individual visit; No charge Mental / Behavioral health: $17 / group visit
health, behavioral Outpatient services for other outpatient services. Not Covered Substance Abuse: $5 / group visit. Deductible
health, or substance Deductible does not apply does not apply.
abuse services Inpatient services 20% Coinsurance Not Covered None
Depending on the type of services, a
copayment, coinsurance, or deductible may
No charge, deductible does not
Office visits Not Covered apply. Maternity care may include tests and
apply services described elsewhere in the SBC (e.g.
ultrasound).
If you are pregnant
Childbirth/delivery Professional services are included in the
professional services Not Applicable Not Covered Facility Fee.
Childbirth/delivery 20% Coinsurance Not Covered None
facility services
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What You Will Pay What You Will Pay
Common Services You May Limitations, Exceptions & Other Important
Plan Provider Non-Plan Provider
Medical Event Need Information
(You will pay the least) (You will pay the most)
$40 / visit, deductible does not Up to 2 hours / visit, up to 3 visits / day, up to
Home health care Not Covered
apply 100 visits / year.
Inpatient: 20% Coinsurance;
Rehabilitation Outpatient: $35 / visit, deductible Not Covered None
services does not apply
If you need help Inpatient: 20% Coinsurance;
recovering or have Habilitation services Outpatient: $35 / visit, deductible Not Covered None
other special health does not apply
needs
Skilled nursing care 20% Coinsurance Not Covered Up to 100 days / benefit period
Durable medical 20% Coinsurance, deductible Not Covered Requires prior authorization
equipment does not apply
No charge, deductible does not
Hospice service Not Covered None
apply
No charge, deductible does not
Children's eye exam apply Not Covered None
If your child needs Children's glasses No charge, deductible does not Not Covered Limited to one pair of glasses/year from select
dental or eye care apply frames and lenses.
Children's dental No charge, deductible does not Not Covered Limited to two check-ups / year.
check-up apply
Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)
● Abortion ● Acupuncture (plan provider referred) ● Bariatric Surgery
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Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those
agencies is shown in the chart below. Other coverage options may be available to you too, including buying individual insurance coverage through the Health
Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318-2596.
Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called
a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also
provide complete information to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or
assistance, contact the agency in the chart below. Additionally, a consumer assistance program can help you file your appeal. Contact the California Department of
Managed Health Care and Department of Insurance at 980 9th St, Suite #500 Sacramento, CA 95814, 1-888-466-2219 or http://www.HealthHelp.ca.gov.
Contact Information for Your Rights to Continue Coverage & Your Grievance and Appeals Rights:
Kaiser Permanente Member Services 1-800-278-3296 (TTY: 711) or www.kp.org/memberservices
California Department of Insurance 1-800-927-HELP (4357) or www.insurance.ca.gov
California Department of Managed Healthcare 1-888-466-2219 or www.healthhelp.ca.gov/
Does this plan provide Minimum Essential Coverage? Yes
If you don’t have Minimum Essential Coverage for a month, you’ll have to make a payment when you file your tax return unless you qualify for an exemption from
the requirement that you have health coverage for that month.
Does this plan meet the Minimum Value Standards? Yes
If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.
Language Access Services:
SPANISH (Español): Para obtener asistencia en Español, llame al 1-800-788-0616 (TTY: 711)
TAGALOG (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa 1-800-278-3296 (TTY: 711)
CHINESE (中文): 如果需要中文的帮助,请拨打这个号码 1-800-757-7585 (TTY: 711)
NAVAJO (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' 1-800-278-3296 (TTY: 711)
––––––––––––––––––––––To see examples of how this plan might cover costs for a sample medical situation, see the next section.––––––––––––––––––––––
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About these Coverage Examples:
This is not a cost estimator. Treatments shown are just examples of how this plan might cover medical care. Your actual costs will be different
depending on the actual care you receive, the prices your providers charge, and many other factors. Focus on the cost sharing amounts (deductibles,
copayments and coinsurance) and excluded services under the plan. Use this information to compare the portion of costs you might pay under different
health plans. Please note these coverage examples are based on self-only coverage.
Peg is Having a Baby Managing Joe's type 2 Diabetes Mia's Simple Fracture
(9 months of in-network pre-natal care and a hospital (a year of routine in-network care of a well-controlled (in-network emergency room visit and follow up care)
delivery) condition)
The plan's overall deductible $2,200 The plan's overall deductible $2,200 The plan's overall deductible $2,200
Specialist copayment $75 Specialist copayment $75 Specialist copayment $75
Hospital (facility) coinsurance 20% Hospital (facility) coinsurance 20% Hospital (facility) coinsurance 20%
Other (blood work) copayment $35 Other (blood work) copayment $35 Other (x-ray) copayment $75
This EXAMPLE event includes services like: This EXAMPLE event includes services like: This EXAMPLE event includes services like:
Specialist office visits (prenatal care) Primary care physician office visits (including Emergency room care (including medical supplies)
Childbirth/Delivery Professional Services disease education) Durable medical equipment (crutches)
Childbirth/Delivery Facility Services Diagnostic tests (blood work) Diagnostic test (x-ray)
Diagnostic tests (ultrasounds and blood work) Prescription drugs Rehabilitation services (physical therapy)
Specialist visit (anesthesia) Durable medical equipment (glucose meter)
Total Example Cost $12,800 Total Example Cost $7,400 Total Example Cost $1,900
In this example, Peg would pay: In this example, Joe would pay: In this example, Mia would pay:
Cost Sharing Cost Sharing Cost Sharing
Deductibles $2200 Deductibles $200 Deductibles $800
Copays $300 Copays $1700 Copays $600
Coinsurance $1400 Coinsurance $200 Coinsurance $10
What isn't covered What isn't covered What isn't covered
Limits or exclusions $60 Limits or exclusions $50 Limits or exclusions $0
The total Peg would pay is $3960 The total Joe would pay is $2150 The total Mia would pay is $1410
The plan would be responsible for the other costs of these EXAMPLE covered services.
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Nondiscrimination Notice
Kaiser Permanente does not discriminate on the basis of age, race, ethnicity, color, national origin, cultural background, ancestry, religion, sex, gender
identity, gender expression, sexual orientation, marital status, physical or mental disability, source of payment, genetic information, citizenship, primary
language, or immigration status.
Language assistance services are available from our Member Services Contact Center 24 hours a day, seven days a week (except closed holidays).
Interpreter services, including sign language, are available at no cost to you during all hours of operation. We can also provide you, your family, and friends
with any special assistance needed to access our facilities and services. In addition, you may request health plan materials translated in your language, and
may also request these materials in large text or in other formats to accommodate your needs. For more information, call 1-800-464-4000 (TTY users call
711).
A grievance is any expression of dissatisfaction expressed by you or your authorized representative through the grievance process. For example, if you
believe that we have discriminated against you, you can file a grievance. Please refer to your Evidence of Coverage or Certificate of Insurance, or speak with
a Member Services representative for the dispute-resolution options that apply to you. This is especially important if you are a Medicare, MediCal, MRMIP,
MediCal Access, FEHBP, or CalPERS member because you have different dispute-resolution options available.
● By completing a Complaint or Benefit Claim/Request form at a Member Services office located at a Plan Facility (please refer to Your Guidebook for
addresses)
● By mailing your written grievance to a Member Services office at a Plan Facility (please refer to Your Guidebook for addresses)
● By calling our Member Service Contact Center toll free at 1-800-464-4000 (TTY users call 711)
Please call our Member Service Contact Center if you need help submitting a grievance.
The Kaiser Permanente Civil Rights Coordinator will be notified of all grievances related to discrimination on the basis of race, color, national origin, sex, age,
or disability. You may also contact the Kaiser Permanente Civil Rights Coordinator directly at One Kaiser Plaza, 12th Floor, Suite 1223, Oakland, CA 94612.
You can also file a civil rights complaint with the U.S. Department of Health and Human Services, Office for Civil Rights electronically through the Office for
Civil Rights Complaint Portal, available at ocrportal.hhs.gov/ocr/portal/lobby.jsf, or by mail or phone at: U.S. Department of Health and Human Services, 200
Independence Avenue SW, Room 509F, HHH Building, Washington, D.C. 20201, 1-800-368-1019, 1-800-537-7697 (TDD). Complaint forms are available at
www.hhs.gov/ocr/office/file/index.html.
Aviso de no discriminación
Kaiser Permanente no discrimina a ninguna persona por su edad, raza, etnia, color, país de origen, antecedentes culturales, ascendencia, religión, sexo,
identidad de género, expresión de género, orientación sexual, estado civil, discapacidad física o mental, fuente de pago, información genética, ciudadanía,
lengua materna o estado migratorio.
La Central de Llamadas de Servicio a los Miembros brinda servicios de asistencia con el idioma las 24 horas del día, los siete días de la semana (excepto
los días festivos). Se ofrecen servicios de interpretación sin costo alguno para usted durante el horario de atención, incluido el lenguaje de señas. También
podemos ofrecerle a usted, a sus familiares y amigos cualquier ayuda especial que necesiten para acceder a nuestros centros de atención y servicios.
Además, puede solicitar los materiales del plan de salud traducidos a su idioma, y también los puede solicitar con letra grande o en otros formatos que se
adapten a sus necesidades. Para obtener más información, llame al 1-800-788-0616 (los usuarios de la línea TTY deben llamar al 711).
Una queja es una expresión de inconformidad que manifiesta usted o su representante autorizado a través del proceso de quejas. Por ejemplo, si usted cree
que ha sufrido discriminación de nuestra parte, puede presentar una queja. Consulte su Evidencia de Cobertura (Evidence of Coverage) o Certificado de
Seguro (Certificate of Insurance), o comuníquese con un representante de Servicio a los Miembros para conocer las opciones de resolución de disputas que
le corresponden. Esto tiene especial importancia si es miembro de Medicare, Medi-Cal, el Programa de Seguro Médico para Riesgos Mayores (Major Risk
Medical Insurance Program MRMIP), Medi-Cal Access, el Programa de Beneficios Médicos para los Empleados Federales (Federal Employees Health
Benefits Program, FEHBP) o CalPERS, ya que dispone de otras opciones para resolver disputas.
● completando un formulario de queja o de reclamación/solicitud de beneficios en una oficina de Servicio a los Miembros ubicada en un centro del plan
(consulte las direcciones en Su Guía)
● enviando por correo su queja por escrito a una oficina de Servicio a los Miembros en un centro del plan (consulte las direcciones en Su Guía)
● llamando a la línea telefónica gratuita de la Central de Llamadas de Servicio a los Miembros al 1-800-788-0616 (los usuarios de la línea TTY deben
llamar al 711)
Llame a nuestra Central de Llamadas de Servicio a los Miembros si necesita ayuda para presentar una queja.
Se le informará al coordinador de derechos civiles de Kaiser Permanente (Civil Rights Coordinator) de todas las quejas relacionadas con la discriminación
por motivos de raza, color, país de origen, género, edad o discapacidad. También puede comunicarse directamente con el coordinador de derechos civiles
de Kaiser Permanente en One Kaiser Plaza, 12th Floor, Suite 1223, Oakland, CA 94612.
También puede presentar una queja formal de derechos civiles de forma electrónica ante la Oficina de Derechos Civiles (Office for Civil Rights) en el
Departamento de Salud y Servicios Humanos de los Estados Unidos (U.S. Department of Health and Human Services) mediante el portal de quejas formales
de la Oficina de Derechos Civil es (Office for Civil Rights Complaint Portal), en ocrportal.hhs.gov/ocr/portal/lobby.jfs (en inglés) o por correo postal o por
teléfono a: U.S. Department of Health and Human Services, 200 Independence Avenue SW, Room 509F, HHH Building, Washington, D.C. 20201,
1-800-368-1019, 1-800-537-7697 (línea TDD). Los formularios de queja formal están disponibles en hhs.gov/ocr/office/file/index.html (en inglés).
無歧視公告
會員服務聯絡中心每週七天 24 小時提供語言協助服務(節假日除外)。本機構在全部營業時間內免費為您提供口譯,包括手語服務。我們還可為您和您的親友
提供使用本機構設施與服務所需要的任何特別協助。此外,您還可索取翻譯成您的語言的健康保險計劃資料,以及採用大號字體或其他格式的版本來滿足您的
需求。若需更多資訊,請致電 1-800-757-7585(TTY 專線使用者請撥 711)。
投訴指任何您或您的授權代表透過流程來表達不滿的做法。例如,如果您認為自己受到歧視,即可提出投訴。若需瞭解適用於自己的爭議解決選項,請參閱
《承保範圍說明書》(Evidence of Coverage)或《保險證明書》(Certificate of Insurance),或咨詢會員服務代表。如果您是 Medicare、MediCal、MRMIP
(Major Risk Medical Insurance Program,高風險醫療保險計劃 )、MediCal Access、FEHBP (Federal Employees Health Benefits Program, 聯邦僱員健康保
險計劃)或 CalPERS 會員,向會員服務代表咨詢尤其重要,因為您可能會有不同的爭議解決方式選擇。
您可透過以下途徑投訴:
● 在健康保險計劃服務設施的會員服務處填寫《投訴或福利索賠/申請表》,地址見《健康服務指南》(Your Guidebook)。
● 將書面投訴信郵寄到健康保險計劃計劃服務設施的會員服務處(地址見《健康服務指南》(Your Guidebook)。
● 在我們的網站上填寫投訴表,網址是 kp.org
如果您在投訴時需要協助,請致電我們的會員服務聯絡中心。
English: This is important information from Kaiser Permanente. If you need help
understanding this information, please call 1-800-464-4000 and ask for language
assistance. Help is available 24 hours a day, 7 days a week, excluding holidays.
المساعدة. وطلب مساعدة لغوية1-800-464-4000 يرجى الاتصال على الرقم، إذا كنت بحاجة للمساعدة في فهم هذه المعلومات.Kaiser Permanente تحتوي هذه الوثيقة على معلومات مهمة من:Arabic
. باستثناء أيام العطلات الرسمية،متوفرة على مدار الساعة طيلة أيام الأسبوع
Armenian: Սա կարևոր տեղեկություն է «Kaiser Permanente»-ից: Եթե այս տեղեկությունը հասկանալու համար Ձեզ օգնություն է հարկավոր, խնդրում
ենք զանգահարել 1-800-464-4000 հեռախոսահամարով և օժանդակություն ստանալ լեզվի հարցում: Զանգահարեք օրը 24 ժամ, շաբաթը 7 օր` բացի տոն
օրերից:
کمک. تماس گرفته و برای امداد زبانی درخواست کنيد1-800-464-4000 لطفا ً با شماره، اگر در فهميدن اين اطلاعات به کمک نياز داريد. می باشدKaiser Permanente اين اطلاعات مهمی از سوی:Farsi
. شامل روزهای تعطيل موجود است، روز هفته7 ساعت شبانروز و24 و راهنمايی در
Hmong: Qhov xov xwm no tseem ceeb los ntawm Kaiser Permanente. Yog koj xav tau kev pab kom nkag siab cov xov xwm no, thov hu rau 1-800-464-4000
thiab thov kev pab txhais lus. Muaj kev pab 24 teev ib hnub twg, 7 hnub ib lim tiam twg, tsis xam cov hnub caiv.
Korean: 본 정보는 Kaiser Permanente 에서 전하는 중요한 메시지입니다. 본 정보를 이해하는 데 도움이 필요하시면, 1-800-464-4000 번으로 전화해 언어
지원 서비스를 요청하십시오. 요일 및 시간에 관계없이 언제든지 도움을 제공해 드립니다(공휴일 제외).
Navajo: D77 47 hane’ b7h0ln7ihii 1t’4ego Kaiser Permanente yee nihalne’. D77 hane’7g77 doo hazh0’0 bik’i’diit88hg00 t’11 sh--d7 koji’ hod77lnih 1-800-464-4000 1ko saad
bee 1k1 i’iilyeed y7d77ki[. Kwe’4 1k1 an1’1lwo’ t’11 1[ahj8’ naadiind99’ ah44’7lkidg00 d00 tsosts’id j9 22’1t’4. Dahod7lzing0ne’ 47 d1’deelkaal.
Punjabi: ਇਹ Kaiser Permanente ਵਲੋਂ ਜ਼ਰੂਰੀ ਜਾਣਕਾਰੀ ਹੈ। ਜੇ ਤੁਹਾਨੂੰ ਇਸ ਜਾਣਕਾਰੀ ਨੂੰ ਸਮਝਣ ਲਈ ਮਦਦ ਦੀ ਲੋ ੜ ਹੈ, ਤਾਂ ਕਕਰਪਾ ਕਰਕੇ 1-800-464-4000 'ਤੇ ਫ਼ੋਨ ਕਰੋ ਅਤੇ ਭਾਸ਼ਾ
ਸਹਾਇਤਾ ਲਈ ਪੁੱ ਛੋ। ਮਦਦ, ਛੁੱ ਟੀਆਂ ਨੂੰ ਛੱ ਡ ਕੇ, ਹਫ਼ਤੇ ਦੇ 7 ਕਦਨ, ਅਤੇ ਕਦਨ ਦੇ 24 ਘੰ ਟੇ ਮੌਜੂਦ ਹੈ।
Russian: Это важная информация от Kaiser Permanente. Если Вам требуется помощь, чтобы понять эту информацию, позвоните по номеру
1-800-464-4000 и попросите предоставить Вам услуги переводчика. Помощь доступна 24 часа в сутки, 7 дней в неделю, кроме праздничных дней.
Spanish: La presente incluye información importante de Kaiser Permanente. Si necesita ayuda para entender esta información, llame al 1-800-788-0616 y
pida ayuda linguística. Hay ayuda disponible 24 horas al día, siete días a la semana, excluidos los días festivos.
Tagalog: Ito ay importanteng impormasyon mula sa Kaiser Permanente. Kung kailangan ninyo ng tulong para maunawan ang impormasyong ito, mangyaring
tumawag sa 1-800-464-4000 at humingi ng tulong kaugnay sa lengguwahe. May makukuhang tulong 24 na oras bawat araw, 7 araw bawat linggo, maliban
sa mga araw na pista opisyal.
Thai: นีเ่ ป็ นข ้อมูลสําคัญจาก Kaiser Permanente หากคุณต ้องการความช่วยเหลือในการทําความเข ้าใจข ้อมูลนี้ กรุณาโทรไปยังหมายเลข 1-800-464-4000 เพือ
่ ขอความช่วย
เหลือด ้านภาษา สามารถโทรติดต่อได ้ตลอด 24 ชัว่ โมงทุกวัน ยกเว ้นวันหยุดเทศกาล.
Vietnamese: Đây là thông tin quan trọng từ Kaiser Permanente. Nếu quý vị cần được giúp đỡ để hiểu rõ thông tin này, vui lòng gọi số 1-800-464-4000 và
yêu cầu được cấp dịch vụ về ngôn ngữ. Quý vị sẽ được giúp đỡ 24 giờ trong ngày, 7 ngày trong tuần, trừ ngày lễ.
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